Information processing method, device and equipment of financial product and storage medium

Abstract

The application discloses a financial product information processing method, device and equipment and a storage medium, relates to the technical field of computers, and is used for improving the accuracy of price updating of a financial product. In the method, whether the actual exchange resource quantity corresponding to each product provider is valid is determined according to the actual exchange resource quantity corresponding to each product provider and the reference exchange resource quantity of a target financial product, and the display exchange resource quantity of the target financial product displayed to a product exchange party is determined according to the actual exchange resource quantity corresponding to the product provider marked as valid and the reference exchange resource quantity. Through the validity determination and the bidding of multiple product providers, the accuracy of the price updating of the financial product can be improved, so that the finally determined display exchange resource quantity is more accurate.

Description

Technical Field

[0001] The present application relates to the field of computer technology and provides a method, apparatus, device and storage medium for processing information of financial products. Background Art

[0002] With economic development, users often purchase financial products for financial management, and gold is a relatively common financial product. Currently, users can purchase gold through online financial platforms, which need to update the gold price and provide price references for users who want to purchase.

[0003] Currently, when updating gold prices, financial platforms need to determine whether the gold quotes provided by suppliers are valid. However, this is currently done solely based on a hard-line control range. For example, the hard-line gold price has a minimum of 100 yuan / gram and a maximum of 1,000 yuan / gram. A supplier's gold quote of 300 yuan / gram, which falls within the hard-line control range, is considered valid. However, a supplier's gold quote of 1,100 yuan / gram, which falls outside the hard-line control range, is considered invalid.

[0004] However, this effectiveness judgment depends on the reasonable setting of the hard-line control range. If the range of the hard-line control range is large, it is impossible to judge illegal gold prices. If the range of the hard-line control range is small, the hard-line control range may need to be frequently adjusted when the gold price changes. Summary of the Invention

[0005] Embodiments of the present application provide a method, apparatus, device, and storage medium for processing information of a financial product, for improving the accuracy of price updates of financial products.

[0006] In one aspect, a method for processing information of a financial product is provided, the method comprising:

[0007] Acquire actual exchange resource amounts required for target financial products of multiple product providers, where the actual exchange resource amounts are resource amounts required for the target financial products of the exchange product providers;

[0008] Determining whether the actual exchange resource amount corresponding to each product provider is valid based on the actual exchange resource amount corresponding to each product provider and the reference exchange resource amount of the target financial product; the reference exchange resource amount is determined based on the reference exchange resource amount from at least one trading institution;

[0009] Marking the actual exchange resource amount corresponding to each product provider as valid based on the result of determining whether it is valid, wherein the validity mark is used to indicate whether the actual exchange resource amount corresponding to the product provider is valid or invalid;

[0010] The display exchange resource amount of the target financial product displayed to the product exchange party is determined according to the actual exchange resource amount corresponding to the product provider marked as valid and the reference exchange resource amount.

[0011] In one aspect, a financial product information processing device is provided, the device comprising:

[0012] an acquiring unit, configured to acquire actual exchange resource amounts required for target financial products of multiple product providers, wherein the actual exchange resource amounts are resource amounts required for the target financial products of the exchange product providers;

[0013] a validity determination unit, configured to determine whether the actual exchange resource amount corresponding to each product provider is valid based on the actual exchange resource amount corresponding to each product provider and the reference exchange resource amount of the target financial product; the reference exchange resource amount is determined based on the reference exchange resource amount from at least one trading institution;

[0014] An update marking unit is used to mark the actual exchange resource amount corresponding to each product provider as valid according to the result of determining whether it is valid, wherein the validity mark is used to indicate whether the actual exchange resource amount corresponding to the product provider is valid or invalid;

[0015] The display data determining unit is configured to determine the display exchange resource amount of the target financial product to be displayed to the product exchange party based on the actual exchange resource amount corresponding to the product provider marked as valid and the reference exchange resource amount.

[0016] Optionally, the display data determination unit is configured to:

[0017] If the actual exchange resource amounts of all product providers are invalid, the reference exchange resource amount is determined as the displayed exchange resource amount of the target financial product displayed by the product exchange provider.

[0018] Optionally, the update marking unit is further configured to:

[0019] When the set reference exchange resource quantity update timing arrives, determine the trading institutions that are currently in their trading period;

[0020] The reference exchange resource amount of the target financial product in the trading institution is obtained from the determined trading institution, and the reference exchange resource amount of the target financial product is updated according to the reference exchange resource amount of the trading institution.

[0021] Optionally, the update marking unit is specifically configured to:

[0022] According to the priority settings of each trading institution, the reference exchange resource volume of the trading institution with the highest priority is obtained from the reference exchange resource volumes of the trading institutions;

[0023] updating the reference exchange resource amount of the target financial product with the reference exchange resource amount of the transaction institution with the highest priority.

[0024] In an aspect, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of any of the above methods when executing the computer program.

[0025] In an aspect, a computer storage medium is provided, having stored thereon computer program instructions, which, when executed by a processor, implement the steps of any of the above methods.

[0026] In an aspect, a computer program product or computer program is provided, including computer instructions stored in a computer readable storage medium. A processor of a computer device reads the computer instructions from the computer readable storage medium, and the processor executes the computer instructions, so that the computer device executes the steps of any of the above methods.

[0027] In the embodiments of the present application, according to the actual exchange resource amount corresponding to each product provider and the reference exchange resource amount of the target financial product, it is determined whether the actual exchange resource amount corresponding to each product provider is valid, and according to the actual exchange resource amount corresponding to the product provider marked as valid and the reference exchange resource amount, the display exchange resource amount of the target financial product displayed to the product exchange party is determined. That is, when updating the exchange resource amount of the financial product, it can be determined according to the actual exchange resource amount corresponding to the product provider and the reference exchange resource amount whether the actual exchange resource amount of the product provider is valid. Since the reference exchange resource amount is obtained by the financial platform according to the transaction data of the transaction institution, it has more reference value, and thus the accuracy of the validity determination of the exchange resource amount is improved, so that the display exchange resource amount determined according to the validity determination result and the reference exchange resource amount is more accurate. BRIEF DESCRIPTION OF DRAWINGS

[0028] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the drawings needed in the embodiments or prior art description will be briefly introduced. Obviously, the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained without creative labor on the basis of the provided drawings.

[0029] Figure 1 A scenario schematic diagram provided by the embodiments of the present application;

[0030] Figure 2A schematic diagram of a scenario provided in an embodiment of the present application using spot gold as an example of a financial product;

[0031] Figure 3 A schematic diagram of the architecture of the gold trading system provided in an embodiment of the present application;

[0032] Figure 4 A flowchart of the information processing method for financial products provided in an embodiment of the present application;

[0033] Figure 5 A flowchart of a reference exchange resource amount update process provided in an embodiment of the present application;

[0034] Figure 6 A schematic diagram of a process for updating the actual exchange resource amount of a product provider provided in an embodiment of the present application;

[0035] Figure 7 A schematic diagram of a process for determining the amount of display exchange resources provided in an embodiment of the present application;

[0036] Figure 8a and Figure 8b This is a schematic diagram of a product display page using gold as an example provided in an embodiment of the present application;

[0037] Figure 9 A schematic diagram of the structure of an information processing device for a financial product provided in an embodiment of the present application;

[0038] Figure 10 A schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0039] To facilitate understanding of the technical solutions provided in the embodiments of the present application, some key terms used in the embodiments of the present application are explained here:

[0040] Financial products: Financial products refer to various vehicles for financing, including spot gold, futures, stocks, insurance, funds, and securities. Financial products are bought and sold in the financial market. Market competition determines the price of financial products, ultimately completing transactions and achieving the purpose of financing.

[0041] Financial platform: A platform that provides financial product transactions, connects product providers and product exchangers, and provides intermediary services for financial product transactions.

[0042] Product provider: also known as supplier, can provide financial products. For example, for spot gold, the product provider can be the manufacturer of gold.

[0043] Product exchange party: a user in the financial platform, who can view, apply for or sell a financial product in the financial platform.

[0044] Exchange resource amount: exchange resource is an electronic resource used for the transaction of a financial product, and the exchange resource amount is the amount of resources required for the transaction of a financial product, such as the amount of resources required for the product exchange party to apply for a financial product or the amount of resources that can be obtained when selling a financial product.

[0045] Actual exchange resource amount: refers to the exchange resource amount provided by the product provider for actual transaction.

[0046] Reference exchange resource amount: the exchange resource amount provided by the transaction institution, which can be used by the product exchange party to select whether to apply for or sell.

[0047] Display exchange resource amount: the exchange resource amount of a financial product displayed to the product exchange party in the financial platform, which can be the actual exchange resource amount or the reference exchange resource amount. When it is the actual exchange resource amount, the product exchange party can apply for the financial product or sell it, and when it is the reference exchange resource amount, the product exchange party cannot transact.

[0048] Currently, users can purchase gold through online financial platforms, and the financial platform needs to update the gold price to provide a price reference for users who need to purchase.

[0049] When updating the gold price, the financial platform needs to determine whether the gold price provided by the supplier is valid, but currently only the validity is determined according to the set hard-line control interval. However, this validity determination depends on the reasonable setting of the hard-line control interval, and when the hard-line control interval is set with some deviation, the determination result will also be affected. For example, if the range of the hard-line control interval is large, it cannot be determined whether the gold price is illegal, and if the range of the hard-line control interval is small, the hard-line control interval may need to be adjusted frequently when the gold price changes.

[0050] In addition, currently the gold price is only updated when the supplier provides a quote, and if the supplier's quote fails or stops serving, it will affect the gold price update and transaction. For example, the supplier only provides quotes during the domestic trading time period, and during the non-domestic trading time period, the gold price provided by the supplier cannot be obtained, and the gold price cannot be updated, so the gold price update time is subject to the supplier, and during the non-domestic trading time, the international gold price may fall or rise, but the supplier's gold price has not been updated. It is easy to make users lose confidence in the gold price of the financial platform, affecting the user experience, and there may be transaction risks.

[0051] Considering that the current judgment method for gold price updates is relatively simple and crude, and the effectiveness of gold prices involves other considerations in addition to hard-line control, such as relevance to trading prices in the recent period, gold quotes can be obtained from trading institutions as a reference price, and then the effectiveness of gold prices can be judged and updated based on the reference price. The judgment and update of the effectiveness of gold prices can also be extended to the price updates of other similar financial products.

[0052] Based on this, an embodiment of the present application provides a method for processing information about financial products. In this method, the validity of the actual exchange resource amount corresponding to each product provider is determined based on the actual exchange resource amount corresponding to each product provider and the reference exchange resource amount of the target financial product. Furthermore, the display exchange resource amount of the target financial product displayed to the product exchange party is determined based on the actual exchange resource amount corresponding to the product provider marked as valid and the reference exchange resource amount. That is, when updating the exchange resource amount of a financial product, the validity of the actual exchange resource amount of the product provider can be determined based on the actual exchange resource amount corresponding to the product provider and the reference exchange resource amount. Since the reference exchange resource amount is obtained by the financial platform based on the transaction data of the trading institution, it has greater reference value, thereby improving the accuracy of the judgment of the validity of the exchange resource amount. Therefore, the display exchange resource amount determined based on the validity judgment result and the reference exchange resource amount is more accurate.

[0053] When judging the effectiveness of the actual exchange resource volume corresponding to the product provider, an extreme exchange resource interval is set to rigidly control the actual exchange resource volume corresponding to the product provider, and an alarm is issued for abnormal actual exchange resource volume by setting a regular exchange resource interval, and a reference exchange resource floating interval is set to further judge the effectiveness of the actual exchange resource volume, thereby improving the accuracy of the effectiveness judgment, and bidding is conducted on the actual exchange resource volumes of multiple product providers to determine the final display exchange resource volume displayed to the product exchange party.

[0054] In addition, considering that the trading time periods of different trading institutions have intersections and differences, reference exchange resource quantities can be obtained from different trading institutions. For example, the trading time period of trading institution A is from 9:00 to 17:00 on weekdays, while the trading time period of another trading institution B is from 12:00 to 24:00 on weekdays. Then, the reference exchange resource quantity can be obtained from trading institution A between 9:00 and 12:00, the reference exchange resource quantity can be obtained from trading institutions A and B between 12:00 and 17:00, and the reference exchange resource quantity can be obtained from trading institution B between 17:00 and 24:00, so that the exchange resource quantity can be updated around the clock.

[0055] After introducing the design concepts of the embodiments of the present application, the following briefly introduces the application scenarios to which the technical solutions of the embodiments of the present application can be applied. It should be noted that the application scenarios introduced below are only used to illustrate the embodiments of the present application and are not limiting. In the specific implementation process, the technical solutions provided by the embodiments of the present application can be flexibly applied according to actual needs.

[0056] The solution provided in the embodiment of the present application can be applied to most financial product exchange resource update scenarios, such as Figure 1 As shown, a scenario in which the solution provided in the embodiment of the present application can be applied may include a financial platform server 101, a transaction institution server 102, a product provider device 103 and a product exchanger device 104.

[0057] The financial platform server 101 and the trading institution server 102 can each be an independent physical server, or a server cluster or distributed system composed of multiple physical servers. They can also be cloud servers that provide basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. The product provider device 103 and the product exchange device 104 can be any computer device, such as a mobile phone, personal computer (PC), tablet computer, laptop computer, smart wearable device, and vehicle-mounted device. The product provider device 103 can also be a server.

[0058] The number of each device in the transaction institution server 102, the product provider device 103 and the product exchange device 104 is Figure 1 Only one is shown in the figure, but it should be noted that there can be multiple transaction institution servers 102, product provider devices 103 and product exchanger devices 104. For example, different transaction institution servers 102 can correspond to different transaction institutions, different product provider devices 103 can correspond to different product providers, and different product exchanger devices 104 can correspond to different product exchangers.

[0059] The financial platform server 101 may include one or more processors, memory, input / output (I / O) interfaces for interacting with other devices, a display panel, etc. The memory of the financial platform server 101 may store program instructions for the information processing method for the financial product provided in the embodiments of the present application. When executed by the processor, these program instructions can be used to implement the steps of the information processing method for the financial product provided in the embodiments of the present application.

[0060] In specific applications, the financial platform server 101 can obtain the reference exchange resource amount of the target financial product from the trading institution servers 102 of multiple trading institutions, and update the reference exchange resource amount stored in the database, and multiple product provider devices 103 obtain the actual exchange resource amount of each product provider, judge whether the actual exchange resource amount of each product provider is valid based on the current reference exchange resource amount, update the actual exchange resource amount of each product provider to the database, and mark the validity based on the validity judgment result, so that when multiple product providers bid, the display exchange resource amount displayed to the product exchange party is determined based on the valid actual exchange resource amount in the database.

[0061] Each of the above-mentioned devices can be connected through one or more networks 105, wherein the network 105 can be a wired network or a wireless network. For example, the wireless network can be a mobile cellular network, or a wireless fidelity (WIREless-Fidelity, WIFI) network. Of course, it can also be other possible networks, and the embodiments of the present application do not limit this.

[0062] like Figure 2 FIG2 is a schematic diagram of a scenario using spot gold as an example financial product. The scenario may include a gold trading system 201, a gold trading institution device 202, a gold supplier device 203, and a user device 204. Since there can be multiple gold suppliers and users, there can also be multiple gold supplier devices 203 and user devices 204.

[0063] Among them, the gold trading system 201 mainly provides users with functions such as gold price update and display, gold buying and gold selling. Figure 3 As shown in FIG. 1 , a schematic diagram of the architecture of a gold trading system 201 is shown, wherein the gold trading system 201 may include an access layer, a storage layer, and a batch processing module. The access layer is used to access and interact with the user device 204, and may include multiple Common Gateway Interfaces (CGIs) for interacting with the user device 204, such as Figure 3 The gold price information query interface, transaction interface and transaction record query interface shown in the figure are shown in the figure. Correspondingly, the storage layer provides storage for user data and gold-related data, such as Figure 3 As shown, it can include a gold price information storage database (database, DB), a transaction record storage DB and a gold physical inventory DB, which are respectively used to store data such as gold price information storage, transaction record storage and gold physical inventory storage. The batch processing module is mainly used for processing batch business or tasks.

[0064] In a specific application, the gold transaction system 201 can purchase a batch of gold from a supplier, register and store, and add a record in the physical inventory DB. Further, the gold transaction system 201 obtains the gold price of each supplier to update the gold price information in the gold price information DB, and when a user views the gold price information through the user device 204, the user device 204 can query the gold price or historical gold price through the gold price information query interface, and the gold price information query interface can pull the data of the gold price information DB and display it to the user. When the user considers the price appropriate, the user can trade the gold on the platform through the transaction interface, and can query the transaction record through the transaction record query interface.

[0065] Of course, the method provided by the embodiment of the present application is not limited to the application scenarios shown in Figure 1 or Figure 2 The application scenarios shown in the application scenarios, the functions that can be achieved by each device will be described in the subsequent method embodiments, and will not be described here. Figure 1 or Figure 2 The functions that can be achieved by each device in the application scenarios shown in the application scenarios will be described in the subsequent method embodiments, and will not be described here.

[0066] To further illustrate the technical solutions provided by the embodiments of the present application, the following will be described in detail in conjunction with the drawings and specific embodiments. Although the method provided by the embodiments of the present application includes more or less operation steps based on conventional or non-creative labor, the execution order of these steps is not limited to the execution order provided by the embodiments of the present application. In steps that do not have necessary causal relationship in logic, the execution order of these steps is not limited to the execution order provided by the embodiments of the present application. The method can be executed in sequence or in parallel during actual processing or device execution.

[0067] Please refer to Figure 4 , the flowchart of the information processing method of the financial product provided by the embodiments of the present application, the flow of the method is introduced as follows, the method flow can be executed by Figure 1 The financial platform server 101 shown in the figure or Figure 2 The gold transaction system 201.

[0068] Step 401: Obtain the actual exchange resource amount required by the target financial product of each product provider, and the actual exchange resource amount is the resource amount required by the target financial product of the exchange product provider.

[0069] Step 402: Determine whether the actual exchange resource amount corresponding to each product provider is valid based on the actual exchange resource amount corresponding to each product provider and the reference exchange resource amount of the target financial product; the reference exchange resource amount is determined based on the reference exchange resource amount from at least one trading institution;.

[0070] Step 403: A validity mark is performed on the actual exchange resource amount corresponding to each product provider according to the result of determining whether it is valid. The validity mark is used to indicate whether the actual exchange resource amount corresponding to the product provider is valid or invalid.

[0071] Step 404: Determine the display exchange resource amount of the target financial product to be displayed to the product exchange party based on the actual exchange resource amount corresponding to the product provider marked as valid and the reference exchange resource amount.

[0072] In the embodiment of the present application, the validity of the actual exchange resource amount corresponding to each product provider is determined based on the actual exchange resource amount corresponding to each product provider and the reference exchange resource amount of the target financial product. Furthermore, the display exchange resource amount of the target financial product displayed to the product exchange party is determined based on the actual exchange resource amount corresponding to the product provider marked as valid and the reference exchange resource amount. In other words, when updating the exchange resource amount of a financial product, the validity of the actual exchange resource amount of the product provider can be determined based on the actual exchange resource amount corresponding to the product provider and the reference exchange resource amount. Since the reference exchange resource amount is obtained by the financial platform based on the transaction data of the trading institution, it has greater reference value, thereby improving the accuracy of the exchange resource amount validity judgment, and thus the display exchange resource amount determined based on the validity judgment result and the reference exchange resource amount is correspondingly more accurate.

[0073] In the embodiment of the present application, since the reference exchange resource amount needs to be involved when updating the actual exchange resource amount corresponding to the product provider, the updating process of the reference exchange resource amount is first introduced here. Figure 5 FIG. 1 is a flow chart of an update process of a reference exchange resource amount. The update of the exchange resource amount may involve an update service and a resource information database of the financial platform system.

[0074] Step 501: The update service determines that an update opportunity has arrived.

[0075] In an embodiment of the present application, the update of the reference exchange resource amount can be performed periodically and regularly, so when the update period arrives, it can be determined that the update time has arrived; or, it can be performed based on certain trigger operations, for example, when the background operator issues an update instruction for the reference exchange resource amount in the management page, it can be determined that the update time has arrived, thereby updating the reference exchange resource amount.

[0076] Step 502: The updating service determines the transaction institutions in their transaction time period at the current time.

[0077] Since the transaction time periods of the transaction institutions are not necessarily the same, at some time, the updating of the reference exchange resource quantity is not performed by all the transaction institutions, and thus it is needed to determine the transaction time period of the transaction institutions at the current time, and then the reference exchange resource quantity is obtained from the transaction institutions.

[0078] Taking gold as a financial product, the quotation time of Shanghai Gold Exchange is 9:00-15:30 during the day and 20:00-2:30 of the next day from Monday to Friday, and the London Gold Exchange is set in each region, and the transaction time period is different according to the region, for example, the Sydney London gold transaction time is 06:00-15:00, the Tokyo London gold transaction time is 08:00-15:30, and thus the quotation of each exchange cannot be obtained at all times, and thus it is needed to determine the transaction time period of the transaction institutions at the current time, and then the quotation is obtained from the transaction institutions.

[0079] The following takes the transaction institutions A and B as an example to introduce the determination of the transaction institutions in the transaction time period at the current time.

[0080] Step 503: If the current time is in the transaction time period of the transaction institution A, the updating service applies to the transaction institution A to obtain the reference exchange resource quantity.

[0081] Here, the transaction institution A can be a device of the transaction institution A, such as a server, a database device, or a PC of the transaction institution A, and the like. Specifically, the transaction institution A can provide an inquiry interface of the reference exchange resource quantity to the outside, and then the updating service can call the inquiry interface of the transaction institution A to obtain the reference exchange resource quantity.

[0082] Step 504: The updating service receives the reference exchange resource quantity returned by the transaction institution A.

[0083] If the reference exchange resource quantity is failed to be obtained from the transaction institution A, the inquiry interface returns an error, indicating that the reference exchange resource quantity is failed to be obtained.

[0084] Step 505: If the current time is in the transaction time period of the transaction institution B, the updating service applies to the transaction institution B to obtain the reference exchange resource quantity.

[0085] Step 506: The updating service receives the reference exchange resource quantity returned by the transaction institution A.

[0086] Similarly, the transaction institution B here can be a device of the transaction institution B, such as a server, a database device, or a PC of the transaction institution B, and the transaction institution B can also provide an inquiry interface for the reference exchange resource amount to the outside world. The updating service can then call the inquiry interface of the transaction institution B to obtain the reference exchange resource amount.

[0087] In addition, if the reference exchange resource amount obtained from the transaction institution B fails, the inquiry interface returns an error, indicating that the reference exchange resource amount fails to be obtained.

[0088] Step 507: The updating service performs a bidding process on the obtained reference exchange resource amounts of the plurality of transaction institutions.

[0089] In the embodiment of the application, if the current time is only in the transaction period of a unique transaction institution, or the current time is in the transaction period of a plurality of transaction institutions, but only a unique transaction institution correctly returns the reference exchange resource amount, then after obtaining the reference exchange resource amount of the transaction institution, the reference exchange resource amount of the transaction institution is directly updated as the final reference exchange resource amount in the resource information database.

[0090] If the current time is in the transaction period of a plurality of transaction institutions, and a plurality of transaction institutions correctly return the reference exchange resource amount, then the reference exchange resource amount needs to be processed by bidding to determine the final reference exchange resource amount actually used as a reference.

[0091] Specifically, the plurality of transaction institutions can be respectively set with a priority, and the priority can be set according to demand, for example, according to the geographical location, scale, or confidence of the transaction institution. Further, the reference exchange resource amount of the transaction institution with the highest priority can be obtained from the reference exchange resource amounts of the transaction institutions according to the priority settings of the transaction institutions, and the reference exchange resource amount of the transaction institution with the highest priority is used to update the reference exchange resource amount of the target financial product.

[0092] Step 508: The updating service updates the reference exchange resource amount in the resource information database.

[0093] The updating service can send the latest reference exchange resource amount to the resource information database, and then update the stored reference exchange resource amount in the resource information database, so that the latest reference exchange resource amount can be used in subsequent use of the reference exchange resource amount.

[0094] Taking gold as an example, after obtaining reference quotes from various gold exchanges, the update service conducts a bidding process, selecting the exchange with the highest priority to update the reference gold price information in the gold price information database. Priority can be set based on region for gold exchanges. For example, international exchanges typically quote in foreign currencies, requiring currency conversion. However, when domestic quotes are available, domestic quotes can be prioritized, avoiding currency conversion and reducing processing costs.

[0095] In the embodiment of the present application, the reference exchange resource amount can be used to determine whether the actual exchange resource amount provided by the product provider is valid. Figure 6 , which takes a product provider as an example and is a flowchart of updating the actual exchange resource amount of the product provider.

[0096] Step 601: The update service determines that an update opportunity has arrived.

[0097] In an embodiment of the present application, the update of the actual exchange resource amount can also be performed periodically and regularly, so when the update period arrives, it can be determined that the update time has arrived; or, it can also be based on certain trigger operations, for example, when the background operator issues an update instruction for the actual exchange resource amount in the management page, it can be determined that the update time has arrived, thereby updating the actual exchange resource amount.

[0098] Step 602: The update service requests the product provider to obtain the current actual exchange resource amount.

[0099] In an embodiment of the present application, when there are multiple product providers, the corresponding actual exchange resource amounts can be obtained and updated according to a set order, or query requests can be sent to multiple product providers at the same time to query and obtain the actual exchange resource amounts of each product provider.

[0100] The product provider here can be the product provider's equipment, such as the product provider's server, database device or PC, etc. The product provider can provide a query interface for the actual exchange resource volume to the outside world, and the update service can call the product provider's query interface to obtain the reference exchange resource volume.

[0101] In addition, if the actual exchange resource amount fails to be obtained from the product provider, the query interface returns an error, indicating that the reference exchange resource amount failed to be obtained.

[0102] Taking gold as an example, the update service needs to obtain gold quotes from various suppliers and determine whether the gold quotes are valid. It then updates the obtained quotes to the gold price information database and marks the quotes based on the validity judgment results.

[0103] Step 603: The update service performs hard-wired control to determine the actual exchange resource quantity of the product provider.

[0104] In the embodiment of the present application, the hard-line control judgment is to determine whether the actual exchange resource amount of the product provider is within the set limit exchange resource range.

[0105] Specifically, the extreme exchange resource interval is the range interval formed by the extreme price values ​​of the financial product. The price of the financial product cannot exceed the interval boundary of the extreme exchange resource interval, that is, the price of the financial product cannot be greater than the upper limit value of the extreme exchange resource interval, and cannot be less than the lower limit value of the extreme exchange resource interval. When the actual exchange resource amount of the product provider is outside the set extreme exchange resource interval, the actual exchange resource amount of the product provider is considered invalid.

[0106] The limit exchange resource interval may be locally configured or acquired from a resource information database.

[0107] For example, a hard-limited price range can be set for gold. A gold price is valid only if it falls within this range. Otherwise, it is considered invalid if it falls outside this range. For example, if the hard-limited price range is [100, 1000], the gold price provided by the supplier is valid if it falls within [100, 1000], but invalid if it falls outside [100, 1000]. For example, a gold price of 1,100 yuan per gram is considered invalid.

[0108] Step 604: If the result of the determination in step 603 is no, then the actual exchange resource amount of the updating service marking product provider is invalid.

[0109] In an embodiment of the present application, if the actual exchange resource quantity of a product provider is invalid, the actual exchange resource quantity of the product provider can be updated to indicate invalidity, and the reference exchange resource quantity can be used as the marking information. Of course, for the sake of data integrity, the actual exchange resource quantity provided by the product provider can also be updated in the resource information database, and marked as the updated actual exchange resource quantity based on the validity judgment result. When the actual exchange resource quantity of the product provider is invalid, the actual exchange resource quantity of the product provider can be marked as invalid, thereby indicating that the reference exchange resource quantity is used as the reference exchange resource information of the product provider.

[0110] Specifically, after the update service updates the actual exchange resource volume of the product provider into the resource information database, the resource information database returns the update result to the update service. If the update fails, an error message will be returned and an alarm notification will be issued.

[0111] Step 605: If the result of step 603 is yes, the update service further performs soft line alarm judgment.

[0112] In the embodiment of the present application, the soft line alarm judgment is to determine whether the actual exchange resource quantity of each product provider is within the set normal exchange resource interval.

[0113] In the embodiment of the present application, the limit exchange resource interval is a kind of hard-set price interval, and its range is usually large, and it can only simply determine whether the actual exchange resource quantity is valid. Therefore, in order to more accurately determine the validity, in addition to the hard line control of the exchange resource quantity, the actual exchange resource quantity of the product provider is also alarmed by the soft line alarm. Therefore, the normal exchange resource interval is set. The normal exchange resource interval can be determined according to the price trend of the financial product in the recent period of time, and the maximum value of the normal exchange resource interval is less than the maximum value of the limit exchange resource interval, and the minimum value of the normal exchange resource interval is greater than the minimum value of the limit exchange resource interval.

[0114] Step 606: If the result of step 605 is no, the update service determines to add an alarm mark to the actual exchange resource quantity of the product provider.

[0115] The normal exchange resource interval can represent the price trend of the financial product to some extent, and therefore the actual exchange resource quantity of the product provider usually does not exceed the range of the interval. If it exceeds the range of the interval, that is, the actual exchange resource quantity of the product provider is not within the normal exchange resource interval, the actual exchange resource quantity of the product provider may be abnormal, and therefore an alarm mark needs to be added to alarm the user when the user views the exchange resource quantity, so that the user knows that the price may be abnormal.

[0116] Taking gold as the financial product, for example, a soft line price interval can be set for the gold price. When it is outside the soft line price interval, it is considered that the gold price may be abnormal and needs to be alarmed. For example, the soft line price interval is [300, 700], and when the gold price provided by the supplier is outside [100, 1000], the alarm needs to be performed. For example, if the gold price provided by the supplier is 800 yuan / gram, the alarm needs to be performed.

[0117] Step 607: The update service obtains the reference exchange resource quantity from the resource information database.

[0118] In the embodiment of the present application, since the reference exchange resource quantity is updated regularly, the update service can obtain the latest reference exchange resource quantity from the resource information database.

[0119] Step 608: The update service performs reference line floating judgment.

[0120] In the embodiments of the present application, the reference line floating judgment is to determine whether the actual exchange resource quantity of each product provider is located in the reference exchange resource floating interval.

[0121] In the embodiments of the present application, the reference exchange resource floating interval is obtained according to the reference exchange resource quantity and the set floating ratio. The floating ratio can be locally configured or obtained from the resource information database.

[0122] Generally, the effective exchange resource quantity will not deviate from the reference exchange resource quantity of the transaction organization by a large margin, and thus the reference exchange resource floating interval is set. When the actual exchange resource quantity of the product provider is not located in the reference exchange resource floating interval, it is determined that the actual exchange resource quantity of each product provider is invalid, and vice versa. If the actual exchange resource quantity of the product provider is located in the reference exchange resource floating interval, it is determined that the actual exchange resource quantity of each product provider is valid.

[0123] Taking gold as an example, a floating price interval can be set for the gold price. Only the gold price located in the floating price interval is valid, otherwise, if it is located outside the floating price interval, it is considered invalid.

[0124] Step 609: If the determination result of step 608 is no, the service updates the actual exchange resource quantity of the product provider to be invalid.

[0125] Similarly, if it is determined that the actual exchange resource quantity of the product provider is invalid, the actual exchange resource quantity of the product provider can be updated to be invalid, and the reference exchange resource quantity is marked. Alternatively, the actual exchange resource quantity provided by the product provider is also updated to the resource information database, and the effectiveness is marked, that is, the updated actual exchange resource quantity is invalid.

[0126] Step 610: If the determination result of step 608 is yes, the service updates the actual exchange resource quantity provided by the product provider to the resource information database, and marks the actual exchange resource quantity of the product provider to be valid.

[0127] Specifically, if it is determined that the actual exchange resource quantity of the product provider is valid, the actual exchange resource quantity provided by the product provider can be updated to the resource information database, and the actual exchange resource quantity of the product provider is marked to be valid.

[0128] If it is determined that the actual exchange resource quantity of the product provider needs to be alarmed at the same time, an alarm mark will also be added to the actual exchange resource quantity of the product provider.

[0129] It should be noted that the process of steps 605-606 and the process of steps 607-609 can be selected according to the actual situation in actual application, and there is no actual order of precedence between the two processes, and they are set according to the specific situation at the time of specific implementation.

[0130] pass Figure 6 The update process shown can complete the update of the exchange resource volume of all product providers.

[0131] Next, the amount of exchange resources to be displayed to the user can be determined based on the actual exchange resource amounts and reference exchange resource amounts of multiple product providers. Figure 7 As shown, it is a flowchart for determining the amount of display exchange resources. This process may involve the resource information service and resource information database of the financial platform system.

[0132] Step 701: The resource information service determines that an update opportunity has arrived.

[0133] Step 702: The resource information service obtains a locally configured product provider list.

[0134] Step 703: The resource information service requests the resource information database to obtain the exchange resource information of each product provider.

[0135] Specifically, when requesting to obtain the exchange resource information of each product provider, the exchange resource information of each product provider can be obtained in sequence, or the product provider to be obtained can be sent to the resource information database, and then the resource information database returns the exchange resource information of all product providers at one time.

[0136] The exchange resource information may include the actual exchange resource quantity of each product provider, as well as information such as validity, warnings, etc. If the exchange resource information of a product provider fails to be obtained, the product provider will not participate in the bidding in the subsequent processing flow.

[0137] Step 704: The resource information service performs bidding processing to determine the display exchange resource quantity.

[0138] In the embodiment of the present application, the resource information service can determine the display exchange resource amount of the target financial product to be displayed to the product exchange party based on the actual exchange resource amount and the reference exchange resource amount corresponding to the valid product provider.

[0139] Specifically, resource information services can be bid according to the following bidding principles:

[0140] (1) Prioritize the use of larger exchange resource amounts

[0141] Generally speaking, the actual exchange resource amounts corresponding to the same financial product of each product provider in the same period should not deviate much. If the actual exchange resource amounts of a certain product provider are much higher than those of other product providers, it is obviously unreasonable. Therefore, after obtaining the actual exchange resource amounts corresponding to multiple product providers and determining the maximum value among them, we will further determine whether the maximum value is valid.

[0142] Specifically, determine whether the difference between the maximum and minimum values ​​of the actual exchange resource amounts of product providers marked as valid is greater than the set difference threshold. If the difference is greater than the set difference threshold, determine that the actual exchange resource amount of the product provider corresponding to the maximum value is invalid, and determine the display exchange resource amount of the target financial product displayed to the product exchange party based on the actual exchange resource amounts of the remaining product providers and the reference exchange resource amount, that is, re-determine the maximum value, and judge whether the maximum value is valid, until the actual exchange resource amounts of all product providers are determined, or there is a valid maximum value.

[0143] If the difference is less than or equal to the set difference threshold, it indicates that the maximum value is valid, and the maximum value can be determined as the display exchange resource amount of the target financial product displayed by the product exchange party.

[0144] (2) Random selection principle

[0145] If the actual exchange resource amounts of all valid product providers are the same, the actual exchange resource amount of one product provider will be randomly selected for display.

[0146] (3) If no product provider wins, the reference exchange resource amount will be used.

[0147] If the actual exchange resource amounts of all product providers are invalid, the reference exchange resource amount can be determined as the displayed exchange resource amount of the target financial product displayed by the product exchange party.

[0148] Step 705: The resource information service updates the global exchange resource information.

[0149] The global gold price information may include the identifier of the product provider that successfully bids, the actual exchange resource quantity information of the product provider, the bidding time, and the reference exchange resource quantity.

[0150] Step 706: The product exchange party requests to display the exchange resource amount of the target financial product.

[0151] In an embodiment of the present application, when a user needs to view information about a financial product, he or she may enter the product page of the financial product, thereby triggering a display request to be sent to the financial platform, where the display request is used to request the display of the exchange resource amount of the target financial product.

[0152] Step 707: The resource information service obtains global exchange resource information from the resource information database.

[0153] The global exchange resource information may include not only the display exchange resource volume, but also other relevant information, such as the reference exchange resource volume, product provider information, and whether the product is tradable.

[0154] Step 708: The resource information service locally caches the reference exchange resource amount and eliminates it periodically.

[0155] In order to reduce the frequency of obtaining information from the database, the resource information service can locally cache the obtained reference exchange resource volume, thereby reducing the user's waiting time when the user request is triggered. However, due to information update and exchange, the stored reference exchange resource volume needs to be eliminated periodically to avoid inaccurate reference exchange resource volume.

[0156] In specific applications, if the displayed exchange resource volume is the actual exchange resource volume corresponding to the product provider, the displayed exchange resource volume returned to the product exchanger will carry a tradable indication. If the displayed exchange resource volume is a reference exchange resource volume, the displayed exchange resource volume returned to the product exchanger will carry a non-tradable indication. Taking gold as an example, if a supplier wins the supplier bidding, the display price displayed to the user should be the supplier's quote. This price is a tradable price, and the display price can carry a tradable indication. Conversely, if no supplier wins the supplier bidding, the display price displayed to the user should be a reference quote. This price is not tradable and is only used as a reference. Therefore, the display price can carry a non-tradable indication.

[0157] Step 709: The resource information service returns a display request response to the product exchange party.

[0158] Step 710: The product exchange party displays the display exchange resource amount of the financial product.

[0159] Correspondingly, when the displayed exchange resource amount is the actual exchange resource amount corresponding to the product provider, the transaction operation control can be displayed at the same time as the displayed exchange resource amount. If the displayed exchange resource amount is the reference exchange resource amount, only the displayed exchange resource amount is displayed, or the transaction operation control is in an inoperable state.

[0160] like Figure 8a and Figure 8b The following is a schematic diagram of a product display page taking gold as an example.

[0161] in, Figure 8aIn the product display page shown, the displayed price is the supplier's quotation, so the transaction operation control is in an operable state, and the user can perform transaction operations by operating the transaction operation control. Figure 8a The price in the transaction is quite different from the entry price, so users need to be warned. Please choose carefully.

[0162] Figure 8b In the product display page shown, the displayed price is a reference price, so the transaction operation control is in an inoperable state. The user can only view the current reference price but cannot perform transaction operations.

[0163] In summary, the update of the reference exchange resource volume in the embodiment of the present application covers the trading periods of multiple trading institutions. By performing hard-line control, soft-line alarms, reference line floating, and multi-party bidding judgment processing on the exchange resource volume provided by the product provider, a 24 / 7 secure update of the exchange resource volume is achieved. In addition, in the event of a product provider failure, the reference exchange resource volume can still be displayed to the user, thus avoiding the situation where the user cannot view the exchange resource volume and improving the user experience.

[0164] See Figure 9 Based on the same inventive concept, the present embodiment further provides an information processing device 90 for financial products, the device comprising:

[0165] An acquiring unit 901 is configured to acquire actual exchange resource amounts required for target financial products of multiple product providers, where the actual exchange resource amounts are the resource amounts required for the target financial products of the exchange product providers;

[0166] A validity determination unit 902 is configured to determine whether the actual exchange resource amount corresponding to each product provider is valid based on the actual exchange resource amount corresponding to each product provider and the reference exchange resource amount of the target financial product; the reference exchange resource amount is determined based on the reference exchange resource amount from at least one trading institution;

[0167] An update marking unit 903 is configured to mark the actual exchange resource amount corresponding to each product provider as valid based on the result of determining whether the amount is valid. The validity mark is used to indicate whether the actual exchange resource amount corresponding to the product provider is valid or invalid.

[0168] The display data determining unit 904 is configured to determine the display exchange resource amount of the target financial product to be displayed to the product exchange party according to the actual exchange resource amount and the reference exchange resource amount corresponding to the product provider marked as valid.

[0169] Optionally, the validity determination unit 902 is configured to:

[0170] Determine whether the actual exchange resource amount of each product provider is within the set limit exchange resource range;

[0171] If it is determined that the actual exchange resource amount of each product provider is not within the limit exchange resource range, then the determination of the actual exchange resource amount of each product provider is invalid;

[0172] If it is determined that the actual exchange resource amount of each product provider is within the limit exchange resource range, it is further determined whether the actual exchange resource amount of each product provider is within the reference exchange resource floating range; the reference exchange resource floating range is obtained based on the reference exchange resource amount and the set floating ratio;

[0173] If it is determined that the actual exchange resource volume of each product provider is not within the reference exchange resource floating range, the actual exchange resource volume of each product provider is invalid;

[0174] If it is determined that the actual exchange resource amount of each product provider is within the reference exchange resource amount floating range, then it is determined that the actual exchange resource amount of the product provider is valid.

[0175] Optionally, the update marking unit 903 is further configured to:

[0176] If it is determined that the actual exchange resource amount of each product provider is within the limit exchange resource interval, then determining whether the actual exchange resource amount of each product provider is within a set regular exchange resource interval, wherein the maximum value of the regular exchange resource interval is less than the maximum value of the limit exchange resource interval, and the minimum value of the regular exchange resource interval is greater than the minimum value of the limit exchange resource interval;

[0177] If it is determined that the actual exchange resource amount of each product provider is not within the regular exchange resource range, it is determined to add a warning mark for the actual exchange resource amount of each product provider.

[0178] Optionally, the update marking unit 903 is specifically configured to:

[0179] Determine whether a difference between a maximum value and a minimum value of actual exchange resource amounts of product providers marked as valid is greater than a set difference threshold;

[0180] If the difference between the maximum value and the minimum value is greater than the set difference threshold, the actual exchange resource amount of the product provider corresponding to the maximum value is determined to be invalid, and the display exchange resource amount of the target financial product displayed to the product exchange party is determined based on the actual exchange resource amounts of the remaining product providers and the reference exchange resource amount;

[0181] If it is determined that the difference between the maximum value and the minimum value is less than or equal to the set difference threshold, the maximum value is determined as the display exchange resource amount of the target financial product displayed by the product exchange party.

[0182] Optionally, the presentation data determining unit 904 is configured to:

[0183] If the actual exchange resource amounts of all product providers are invalid, the reference exchange resource amount will be determined as the displayed exchange resource amount of the target financial product displayed by the product exchange party.

[0184] Optionally, the device further includes a transceiver unit 905;

[0185] The acquisition unit 901 is further configured to acquire the display exchange resource amount from the resource information database according to a display request from the product exchange party to display the exchange resource amount of the target financial product;

[0186] The transceiver unit 905 is configured to, if the displayed exchange resource amount is the actual exchange resource amount corresponding to the product provider, return the displayed exchange resource amount to the product exchange party with a tradable indication; and, if the displayed exchange resource amount is the reference exchange resource amount, return the displayed exchange resource amount to the product exchange party with a non-tradable indication.

[0187] Optionally, the update marking unit 903 is further configured to:

[0188] When the set reference exchange resource quantity update timing arrives, determine the trading institutions that are currently in their trading period;

[0189] The reference exchange resource amount of the target financial product in the trading institution is obtained from the determined trading institution, and the reference exchange resource amount of the target financial product is updated according to the reference exchange resource amount of the trading institution.

[0190] Optionally, the update marking unit 903 is specifically configured to:

[0191] According to the priority settings of each trading institution, the reference exchange resource volume of the trading institution with the highest priority is obtained from the reference exchange resource volumes of the trading institutions;

[0192] The reference exchange resource volume of the target financial product is updated with the reference exchange resource volume of the trading institution with the highest priority.

[0193] The device can be used to perform Figures 4 to 7 The method shown in the embodiment shown is a method executed by the backend server side. Therefore, for the functions that can be realized by each functional module of the device, reference can be made to Figures 4 to 7 The description of the illustrated embodiment is omitted for brevity.

[0194] See Figure 10Based on the same technical concept, an embodiment of the present application also provides a computer device 100, which may include a memory 1001 and a processor 1002.

[0195] The memory 1001 is used to store computer programs executed by the processor 1002. The memory 1001 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function, etc.; the data storage area may store data created according to the use of the computer device, etc. The processor 1002 may be a central processing unit (CPU), or a digital processing unit, etc. The specific connection medium between the above-mentioned memory 1001 and the processor 1002 is not limited in the embodiment of the present application. The embodiment of the present application is Figure 10 In the embodiment, the memory 1001 and the processor 1002 are connected via a bus 1003. The bus 1003 is connected to the processor 1002 via a bus 1003. Figure 10 The bus 1003 can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 10 Only one thick line is used in the diagram, but this does not mean that there is only one bus or one type of bus.

[0196] Memory 1001 may be a volatile memory, such as random-access memory (RAM); a non-volatile memory, such as read-only memory, flash memory, a hard disk drive (HDD), or a solid-state drive (SSD); or any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but is not limited thereto. Memory 1001 may be a combination of the above memories.

[0197] The processor 1002 is configured to execute the following when calling the computer program stored in the memory 1001: Figures 4 to 7 The method executed by the video client or the backend server in the illustrated embodiment.

[0198] In some possible implementations, various aspects of the method provided in the present application may also be implemented in the form of a program product, which includes program code. When the program product is run on a computer device, the program code is used to enable the computer device to perform the steps of the method according to various exemplary embodiments of the present application described above in this specification. For example, the computer device may perform the following steps: Figures 4 to 7 The method executed by the video client or the backend server in the illustrated embodiment.

[0199] Those skilled in the art will understand that all or part of the steps of the above-mentioned method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, it performs the steps of the above-mentioned method embodiments. The aforementioned storage medium includes various media that can store program codes, such as mobile storage devices, read-only memory (ROM), random access memory (RAM), magnetic disks or optical disks. Alternatively, if the above-mentioned integrated unit of the present invention is implemented in the form of a software function module and sold or used as an independent product, it can also be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the embodiment of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the methods described in various embodiments of the present invention. The aforementioned storage medium includes various media that can store program codes, such as mobile storage devices, ROM, RAM, magnetic disks or optical disks.

[0200] Although the preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present application.

[0201] Obviously, those skilled in the art may make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalents, this application is intended to include these modifications and variations.

Claims

1. An information processing method, characterized in that: Applied to an exchange resource update scenario involving a financial platform server, a trading institution server, a product provider device, and a product exchanger device, the method includes: The financial platform server obtains at least one locally configured trading institution within the trading period when an update opportunity is triggered, obtains a reference exchange resource amount of a target financial product from the trading institution server of the at least one trading institution, and updates the reference exchange resource amount stored in the database according to the obtained reference exchange resource amount; The financial platform server requests the product provider device to obtain actual exchange resource amounts required for target financial products of multiple product providers, where the actual exchange resource amounts are resource amounts required for exchanging the target financial products of the product providers; The financial platform server determines the validity of the actual exchange resource amounts corresponding to the multiple product providers based on the current reference exchange resource amount based on a predetermined validity determination method, updates the actual exchange resource amount of each product provider into a database, and marks the validity of the actual exchange resource amount corresponding to each product provider based on the result of the validity determination; the validity mark is used to indicate whether the actual exchange resource amount corresponding to the product provider is valid or invalid; The financial platform server performs bidding processing based on the actual exchange resource amount corresponding to the product provider marked as valid and the reference exchange resource amount, and determines the display exchange resource amount of the target financial product to be displayed to the product exchange party of the product exchange party device; The financial platform server sends the display exchange resource amount to the product exchange device in response to the display request sent by the product exchange device through the query interface, so as to present the display exchange resource amount on the product exchange device.

2. The method according to claim 1, wherein The financial platform server determines the validity of the actual exchange resource amounts corresponding to the multiple product providers based on the current reference exchange resource amounts based on a set validity judgment method, including: The financial platform server determines whether the actual exchange resource amount of each product provider is within a set limit exchange resource range; If it is determined that the actual exchange resource amount of each product provider is not within the limit exchange resource range, the actual exchange resource amount of each product provider determined by the financial platform server is invalid; If it is determined that the actual exchange resource amount of each product provider is within the limit exchange resource range, the financial platform server further determines whether the actual exchange resource amount of each product provider is within the reference exchange resource floating range; If it is determined that the actual exchange resource amount of each product provider is not within the reference exchange resource floating range, the actual exchange resource amount of each product provider determined by the financial platform server is invalid; If it is determined that the actual exchange resource amount of each product provider is within the reference exchange resource amount floating range, the financial platform server determines that the actual exchange resource amount of the product provider is valid.

3. The method according to claim 2, wherein The updating of the actual exchange resource amount of each product provider device into the database and marking the validity of the actual exchange resource amount corresponding to each product provider device according to the result of determining whether it is valid include: If it is determined that the actual exchange resource amount of each product provider is within the limit exchange resource interval, the financial platform server determines whether the actual exchange resource amount of each product provider is within a set regular exchange resource interval, wherein the maximum value of the regular exchange resource interval is less than the maximum value of the limit exchange resource interval, and the minimum value of the regular exchange resource interval is greater than the minimum value of the limit exchange resource interval; If it is determined that the actual exchange resource amount of each product provider is not within the regular exchange resource range, the financial platform server determines to add a warning mark to the actual exchange resource amount of each product provider.

4. The method according to claim 1, wherein The financial platform server performs bidding processing based on the actual exchange resource amount of the product provider marked as valid and the reference exchange resource amount to determine the display exchange resource amount of the target financial product to be displayed to the product exchange party of the product exchange party device, including: The financial platform server determines whether the difference between the maximum and minimum values ​​of the actual exchange resource amounts of the product providers marked as valid is greater than a set difference threshold; If it is determined that the difference between the maximum value and the minimum value is greater than a set difference threshold, the financial platform server determines that the actual exchange resource amount of the product provider corresponding to the maximum value is invalid, and determines the display exchange resource amount of the target financial product to be displayed to the product exchange party based on the actual exchange resource amounts of the remaining product providers and the reference exchange resource amount; If it is determined that the difference between the maximum value and the minimum value is less than or equal to the set difference threshold, the financial platform server determines the maximum value as the display exchange resource amount of the target financial product displayed to the product exchange party.

5. The method according to claim 4, wherein The financial platform server performs bidding processing based on the actual exchange resource amount of the product provider device marked as valid and the reference exchange resource amount to determine the display exchange resource amount of the target financial product to be displayed to the product exchange party device, further comprising: If the actual exchange resource amounts of all product providers are invalid, the financial platform server determines the reference exchange resource amount as the display exchange resource amount of the target financial product displayed to the product exchange party.

6. The method according to claim 5, wherein After the financial platform server performs bidding processing based on the actual exchange resource amount of the product provider device marked as valid and the reference exchange resource amount to determine the display exchange resource amount of the target financial product to be displayed to the product exchange party device, the method further includes: The financial platform server obtains the displayed exchange resource amount from the resource information database according to the display request of the product exchange party device to display the exchange resource amount of the target financial product; If the display exchange resource amount is the actual exchange resource amount corresponding to the product provider, the display exchange resource amount returned by the financial platform server to the product exchange party device carries a tradable indication; If the display exchange resource amount is the reference exchange resource amount, the display exchange resource amount returned by the financial platform server to the product exchange party device carries a non-tradable indication.

7. The method according to claim 1, wherein The acquiring of the reference exchange resource amount of the target financial product from the trading institution server of the at least one trading institution, and updating the reference exchange resource amount stored in the database according to the acquired reference exchange resource amount, comprises: The financial platform server obtains the reference exchange resource amount of the trading institution with the highest priority from the reference exchange resource amounts of the trading institutions according to the priority settings of the trading institutions; The financial platform server updates the reference exchange resource amount of the target financial product with the reference exchange resource amount of the trading institution with the highest priority.

8. An information processing device, characterized in that Applicable to an exchange resource update scenario involving a financial platform server, a trading institution server, a product provider device, and a product exchanger device, the apparatus comprises: an acquiring unit, configured to, when an update opportunity is triggered, acquire at least one locally configured trading institution within a trading period, acquire a reference exchange resource amount of a target financial product from the trading institution server of the at least one trading institution, and update the reference exchange resource amount stored in the database based on the acquired reference exchange resource amount; and request the product provider device to acquire actual exchange resource amounts required for target financial products of multiple product providers, the actual exchange resource amount being the resource amount required for the target financial products of the exchange product providers; a validity determination unit, configured to determine the validity of the actual exchange resource quantities corresponding to the plurality of product providers based on the current reference exchange resource quantities based on a set validity determination method, and update the actual exchange resource quantities of each product provider into a database; An update marking unit is used to mark the actual exchange resource amount corresponding to each product provider as valid according to the result of determining whether it is valid, wherein the validity mark is used to indicate whether the actual exchange resource amount corresponding to the product provider is valid or invalid; a display data determination unit, configured to perform bidding processing based on the actual exchange resource volume corresponding to the product provider marked as valid and the reference exchange resource volume, and determine the display exchange resource volume of the target financial product to be displayed to the product exchange party of the product exchange party device; The transceiver unit is configured to send the display exchange resource amount to the product exchange device in response to a display request sent by the product exchange device through the query interface, so as to present the display exchange resource amount on the product exchange device.

9. The device according to claim 8, wherein The validity determination unit is configured to: Determine whether the actual exchange resource amount of each product provider is within the set limit exchange resource range; If it is determined that the actual exchange resource amount of each product provider is not within the limit exchange resource range, then the actual exchange resource amount of each product provider is determined to be invalid; If it is determined that the actual exchange resource amount of each product provider is within the limit exchange resource range, further determining whether the actual exchange resource amount of each product provider is within the reference exchange resource floating range; If it is determined that the actual exchange resource amount of each product provider is not within the reference exchange resource floating range, then the actual exchange resource amount of each product provider is determined to be invalid; If it is determined that the actual exchange resource amount of each product provider is within the reference exchange resource amount floating range, then it is determined that the actual exchange resource amount of each product provider is valid.

10. The device according to claim 9, wherein The update marking unit is further used to: If it is determined that the actual exchange resource amount of each product provider is within the limit exchange resource interval, then determining whether the actual exchange resource amount of each product provider is within a set regular exchange resource interval, wherein the maximum value of the regular exchange resource interval is less than the maximum value of the limit exchange resource interval, and the minimum value of the regular exchange resource interval is greater than the minimum value of the limit exchange resource interval; If it is determined that the actual exchange resource amount of each product provider is not within the regular exchange resource range, it is determined to add a warning mark for the actual exchange resource amount of each product provider.

11. The device according to claim 8, wherein The update marking unit is specifically used to: Determine whether a difference between a maximum value and a minimum value of actual exchange resource amounts of product providers marked as valid is greater than a set difference threshold; If it is determined that the difference between the maximum value and the minimum value is greater than a set difference threshold, then the actual exchange resource amount of the product provider corresponding to the maximum value is determined to be invalid, and the display exchange resource amount of the target financial product to be displayed to the product exchange party is determined based on the actual exchange resource amounts of the remaining product providers and the reference exchange resource amount; If it is determined that the difference between the maximum value and the minimum value is less than or equal to the set difference threshold, the maximum value is determined as the display exchange resource amount of the target financial product displayed to the product exchange party.

12. The device according to claim 11, wherein The acquisition unit is further configured to acquire the displayed exchange resource amount from the resource information database according to a display request from the product exchange party device requesting display of the exchange resource amount of the target financial product; The transceiver unit is configured to, if the display exchange resource amount is the actual exchange resource amount corresponding to the product provider, return the display exchange resource amount to the product exchange party device with a tradable indication; and, if the display exchange resource amount is the reference exchange resource amount, return the display exchange resource amount to the product exchange party device with a non-tradable indication.

13. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

14. A computer storage medium having computer program instructions stored thereon, characterized in that: When the computer program instructions are executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

Images